What ongoing costs should I budget for with a caravan?

Beyond the purchase price and loan repayments, you should allow for comprehensive insurance, registration, storage or site fees, regular servicing, tyres, gas, and any modifications or upgrades. If you are planning extended trips, factor in fuel for your tow vehicle, caravan park fees, camping permits and roadside assist cover. A common guide is to set aside a realistic annual amount for maintenance and running costs so you are not caught off guard once you are on the road.

Can I get a caravan loan with bad credit?

In many cases, yes. Some lenders on our panel look at your current income and financial stability rather than focusing only on your credit history. You may pay a higher rate or need a larger deposit, but having past defaults or missed payments does not automatically disqualify you. Apply and let us match you with a lender suited to your situation.

Will applying for a caravan loan affect my credit score?

Our initial matching process uses a soft check that does not impact your credit score. If you proceed with a lender, they may do a formal credit enquiry which will appear on your credit file. Making your caravan loan repayments on time can help build a positive credit history over the life of the loan.

Can I get a caravan loan if I am retired?

In many cases, yes. Some lenders on our panel consider income from superannuation, pensions, investments or part-time work when assessing your application. Lending criteria may be stricter than for someone in full-time employment, and the loan term may be shorter, but options do exist for retirees and self-funded retirees. The key factor is demonstrating that the repayments are affordable within your overall budget.

Can I finance a used caravan or a private sale?

Yes. Our lender panel finances both new and used caravans, including private sales and dealer purchases. Nearly half of all caravans in Australia are bought secondhand through private sellers, and our lenders regularly fund these purchases. For used vans, lenders may consider the age, condition and value when setting the rate and term. A PPSR check is always recommended before buying to confirm the caravan is free of existing finance.

How much can I borrow for a caravan loan?

Most lenders on our panel offer caravan loans from $5,000 up to $150,000. Some specialist lenders can go higher for premium or custom-built vans. The amount you are approved for depends on your income, expenses, credit profile, the value of the caravan and whether the loan is secured or unsecured.

How does a caravan loan work?

A caravan loan lets you borrow a set amount to purchase a caravan and repay it over an agreed term, usually one to seven years. You can choose a secured loan where the caravan acts as security for a lower rate, or an unsecured loan where the van is not tied to the finance. Repayments are made weekly, fortnightly or monthly with either a fixed or variable interest rate.

Caravan Loan Australia - Stop Dreaming and Start Exploring

Caravan loans for the big lap, family holidays and weekend escapes, from pop-tops to off-road tourers

The big lap isn’t going to plan itself. Whether you’re a grey nomad finally getting the trip of a lifetime underway, a family who wants school holiday adventures that don’t cost a fortune in flights and resorts, or someone who’s decided van life is the way forward, a caravan loan gets you on the road sooner than another five years of saving. Our brokers compare caravan loans across our panel and arrange a deal sized to the van you’ve picked. Borrow from $5,000 for a solid used pop-top up to $150,000 for a brand new off-road tourer fully kitted out with solar, lithium, hot water and a proper kitchen.

Most caravan loans are written secured against the van, and because caravans tend to hold their value better than cars, lenders are typically comfortable offering competitive rates and longer terms. Over a seven year term, a small rate difference saves thousands. New, used, dealer or private sale, all considered. Our service is free for you. If you’d prefer something lighter and more off-grid capable, see camper trailer loans, or for a powered watercraft, see boat finance.

Borrow $5,000 to $150,000

Used pop-tops from $5,000, mid-range family vans around $40,000 to $70,000, full-spec off-road tourers up to $150,000. Sized to the van and your borrowing position.

Pop-tops to off-road tourers

Pop-tops, full-height vans, off-road tourers, semi off-road, hybrid setups, fifth-wheelers. New or used, all considered for finance.

Caravans hold their value

Because caravans depreciate slower than cars, lenders often offer longer terms and competitive rates on secured caravan loans, helping keep monthly repayments manageable.

New, used, dealer or private

Brand new off a dealer floor, used from a dealer or private seller, even auction or online marketplace purchases are fundable on the right deal.

One to seven year terms

Longer terms keep the monthly repayment lower for retirees on fixed income. Shorter terms cost less overall. Pay it out early without penalty on most products.

No fees from us

Free for you to apply through our broker panel. We're paid by the lender when your loan settles.

Caravan Loan from $5,000 to $150,000 - Finance the Van, Hit the Road

Caravan loans for the big lap, family holidays and weekend escapes, from pop-tops to off-road tourers

Borrow $5,000 to $150,000

Pop-tops to off-road tourers

Caravans hold their value

New, used, dealer or private

One to seven year terms

No fees from us

Ready to hit the road?

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